Estate, Insurance, Tax, and Financial Planning
Terra Cotta Private Wealth Inc. is a prudent and thoughtful financial advisory group serving affluent individuals, business owners, executives, professionals, as well as family trusts and estates. We help our clients solve critical gaps in their financial lives, by working diligently to find the best solutions and following through to ensure that those solutions are implemented.
Terra Cotta Private Wealth delivers great success when we work with and integrate your team of professional advisors - estate planning lawyers, trustees and accountants - so that your financial plan is executed and your current and future goals are achieved.
At Terra Cotta Private Wealth, we realize that each of our clients comes to us with unique and different objectives, but they all have the need for strategic risk management. We will assist you in finding solutions to protect your income against a debilitating illness, help you plan for maintaining your business operations while you are absent, prevent the over-taxation of your estate and provide tax sheltering solutions for you and your corporation while you are living.
We will sit down with you and your family or Management Team and evaluate your insurance requirements and goals. This will help us determine which products best fit your needs. John’s strong tax and financial planning background ensures that the strategies we employ fit well within your budget. We provide a full financial plan for you - this is key to determining the need for any insurance solution.
We represent numerous insurance companies across all product lines and therefore can make objective recommendations that will always put your needs first. With over 40 years of experience in the industry, our team has the knowledge base to search out the most innovative solutions.
Growing and preserving your wealth for the long term
Preserving your capital and protecting your investments
Preserving your estate from erosion by taxation
Distributing your future wealth and optimizing intergenerational wealth transfer
John Hayes is the co-founder of The Terra Cotta Financial Group and is a member of the Leadership Team. He is responsible for all financial and estate planning, insurance and tax strategies, as well as capital sourcing.
Prior to joining The Terra Cotta Financial Group, John spent 18 years as a Wealth Advisor at the brokerage arm of a major Canadian bank. John brings his wealth of tax knowledge from a 6 year career as an auditor with Canada Revenue Agency. That experience provides him a deep understanding of governance as it relates to taxation rules and regulations. …
Private Wealth Advisor
With nearly 20 years of investment industry experience, Dave’s passion has been working with entrepreneurial clients who require a detailed, professional approach to wealth management. He began his career in the financial services industry trading equities and options with a large Canadian bank-owned investment firm.